i think the most important thing in your post was this…
“Decrease my loans to $2,500. Actually I’d like to pay them off completely this year, but I want my goal to be realistic and attainable, so I’m sticking with this number.”
the simple fact that you are looking at it from an i would like to but im going to be realistic perspective is very impressive.
I dont exactly know what the boots over jeans thing is all about but congratulations on not caring what your ass looks like in skinny jeans anymore.
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